The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$7,305
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,532
−HK$231/mo
Today · 4.125%
HK$7,763
baseline
▲ 0.50% · 4.625%
HK$8,236
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,526/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,127
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,345
−HK$221/mo
Today · 4.125%
HK$8,566
baseline
▲ 0.50% · 4.625%
HK$9,018
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,132/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,766
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,039
−HK$277/mo
Today · 4.125%
HK$9,316
baseline
▲ 0.50% · 4.625%
HK$9,883
+HK$567/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,632/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,752
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,014
−HK$265/mo
Today · 4.125%
HK$10,279
baseline
▲ 0.50% · 4.625%
HK$10,821
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,558/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,227
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,545
−HK$324/mo
Today · 4.125%
HK$10,869
baseline
▲ 0.50% · 4.625%
HK$11,530
+HK$661/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$21,738/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,378
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,683
−HK$309/mo
Today · 4.125%
HK$11,992
baseline
▲ 0.50% · 4.625%
HK$12,625
+HK$633/mo
Deposit HK$961K · loan HK$2.24M · min. income ≈ HK$23,984/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,149
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,558
−HK$416/mo
Today · 4.125%
HK$13,974
baseline
▲ 0.50% · 4.625%
HK$14,824
+HK$850/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,948/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,629
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,021
−HK$398/mo
Today · 4.125%
HK$15,419
baseline
▲ 0.50% · 4.625%
HK$16,232
+HK$813/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,838/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).